CAG CRA S.A.R Club

[ODC]

Just where in the legislation do we actually give our express written permission for Experian et al to share our personal Data. I certainly never did yet they seem quite happy to pass it to any ****** from their friends in the DCAs to use for whatever purpose. Its not the first time a DCA has threatented to DEFAULT me because ''WE CAN''

 

 

BARSTEWARDS the lot of them

[ODC]

It looks like our fiends (sic) at Experian are going to very busy dealing with SARS over the next couple of weeks. Just think if every member of CAG applied at once for what we are LEGALLY entitled to do. They may not have time to pass on all the information to all their mates in the DCAs

[ODC]

Do you think you should put in a paragraph regarding any telephone calls they may have made or received regarding your data. Just a thought

[ODC]

lolly, there is NO evidence that the CRA's actively pass our information to the DCA's, but it is known that the DCA's trawl the CRA's records.

No forgetting of course that Experian is owned by a DCA.

 

A conflict of interest if ever their was one:evil:

[ODC]

Looks good to me

Well you would say that;) ooook

[ODC]

You actually have to give Experian Debit/Credit card details before you can get you free months trial. Something very dodgy about this too considering their bed partners

[ODC]

Hi Guys

I am awaiting junk mail then,as i only applied a week or so ago, let you know what companies contact me (might be of interest).Not ready for a week or so yet to do S.A.R - (Subject Access Request) as have got some serious studying to do before Friday as some of you know.

Cheers for all help

It will be very interesting to see what arrives in the post ober the next few weeks

[ODC]

Just had a look at the Conference PDF it disgusts me , how sick is this?

Really what else can you expect from a bunch of sad individuals

[ODC]

I think the SAR to Experian is a brilliant idea. It should provide piles more information than any Credit check. I would suugest adding a paragraph requesting details of each and every time someone has accessed your file whether in writing or by telephone. I feel that Experian under the terms of the DPA will be obliged to supply this information. Similarly they should be legally obliged to say who they have passed your information on to.

[ODC]

I have now just entered a battle with lowell and I'd normally be scared but because of this site I am quite enjoying their pathetic attempts to get me to pay!

Clownells are a penalty kick to deal with. They follow a set pattern and are easy to deal with. When they get fed up with you they will pass your file over to the next desk called Hampton ilLegal and if they fail to scare you they will they pass it to another bunch of no-hopers who go under the wonderful name of Red Debt. All letters from the same bunch of losers

 

A CCA or in your case a Statute Barred letter will see them off but have some fun with them first

[ODC]

All banking institutions and CRA agencies as well as DCA’s work hand in hand. The government have no control over CRA because they are private organisations and DCA’s spread their tentacles’ wide and far.

 

DCA’s are allowed to get away with such bad practices and even down right lying and cheating which is practically the same as fraud in my opinion. The only way all this DATA about is will be remotely protected is for the government to over the control of it but I do cannot see that happening and therefore we are all at the mercy of DCA’s sharks.

 

Proposals are now being made for us all the UK residents and even visitors to this country for their DNA to go on a central data computer. Can you imagine a big burly DCA chap on your doorstep asking you to spit into a plastic bag? Then again you can always miss when spitting into their bag and direct it to the DCA chap face. Do you thing that would get rid of the leaches.

The easiest way to get rid of a DCA doorstepper is to tell them to leave your property. If they refuse you can either

1. Use reasonable minimum force to remove them or

2. Telephone the boys in blue and report a breach of the peace and they will move them for you

 

It should be remembered that DCA doorsteppers have NO LEGAL RIGHTS whatsoever

[ODC]

This is an industry run by greedy people employing greedy bullies to bleed as much money out of people by whatever means they can legal or otherwise

[ODC]

Come on lets all SAR them!!!!!

 

Bring their business to a halt

[ODC]

Maybe a Knighthood in the offing?

Arise Lord Cabot of Dunfiddlin

[ODC]

It will be interesting to see how much more info is released from an SAR as opposed to just viewing your Credit File. I wonder how many DCAs will appear from the woodwork

[ODC]

The SAR should make them supply ALL details they hold on you whether contained on their computers or not. It also requests details of telephone calls, written notes and details of whom they passed your information to as well.

[ODC]

It should be worth the wait though to see how much info these people hold on you compared with what they actuall send on your credit report

[ODC]

Probably innundated with CAGGERS applying.

[ODC]

. If you are in deep trouble the collector is likely to recognise you have a few debts and are less likely to cough up so they wont chase you as hard. Try telling that to thos on here who have Debt Collectors tell them to sell clothes and furniture to satisfy their GREED. Tell that to people on here who have been told to borrow the money to pay off the GREEDY debt collectors. Tell that to the people on here who have been told they will be made BANKRUPT by a GREEDY DCA. Tell that to the people on here who get thirty phone calls a day demandoing payment in full.

 

I advise anyone to look into a CRA before making them a scape goat. They exist to hold data centrally at the bequest of lenders so they can make better decisions. They do not own or create the data and are subject to SCOR rules and the Data protection act. . Data Protection Act states that data can only be used in ways described to the individual at point of collection. Any data they have on you is via consent you gave when applying for credit

Then ists probably a mere coincidence when some of us apply for our files from the CRAs that we are innundated by offers of loans and Credit Cards and new GREDDY DCAs appear from under a stone.

 

Who do you think you are KIDDING?????????????????

[ODC]

So in essence what you are saying is that a CRA can register a default on your Credit File on the word of a DCA without ANY proof.

 

What happened to ensuring Data was ACCURATE

[ODC]

Absolutely, it is done all the time. But it is not the CRA who registeres the default - they are simply the facilitator - it is the creditor company who places it on your file. However the CRA need only their client (the creditor) to state that the consumers is in arrears or in default for the record to be updated. If you discover this and it is in error and the CRA refuses to update or correct the entry (usually after speaking to their client to originally provided the data), then your next recourse is to the Information Commissioners Office with a formal complaint, supplying any evidence to support your claim.

The number of people on here who have tried in vain to get unlawful and unprovable defaults removed shows which side the CRAs chose to beleive

[ODC]

Experian - Strategy

Here's what it says:

 

'Trusted stewards'?

 

Bar Stewards:mad:

[ODC]

A lot of this JUNK mail comes from guarantees you fill in when you bu a new Hoover or Washing Machine or whatever. I am starting to fill my warranties in with sill names just to see if I get any letters addressed to Mrs Ann Gree XXXXXXXXXXXXXX

or Mr Juan Kerr

 

or Master Bates

 

or maybe Just plain Old Ken Maynard and according to 192.com my adress should be ...............................

[ODC]

Hi JB, yes the S.A.R - (Subject Access Request) from Experian gave me all the account numbers. it's odd they don't have this on the credit report? I suppose it just shows the difference between asking (and paying £10) for a SAR, rather than £2 for the Credit Report. I wonder why they keep this back?

An SAR puts a LEGAL responsibility on them to provide EVERYTHING they have on you whereas the £2 request means they supply what they want.

 

I would be interested to know from those of you who have got their full SAR does it make any mention of passing on your information to 'interested organisation' or any requests from DCAs if not then there is something lacking and they have not fully complied.

[ODC]

Thanks Buzby.

If you read this (it's very short to read, PDF):

'Starting in Business as a Debt Collecting Agency' - CSA

it's pretty clear that setting up isn't exactly rocket science.

£99 and you've got a Company. Here's a quote from the CSA Factsheet above:

You'd think setting up as a DCA would be more complicated than that, wouldn't you?

Seems not. Bit of dosh, a nod and a wink.

Dont forget the need to employ a few thickos as call centre threat operators. No Knowledge of the law is required